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Which medical expenses can be paid for with tax-deductible HSA funds?IRS regulations require that you keep all receipts and any documentation for eligible medical expenses with your personal tax records. The following is a partial list of eligible/potentially eligible/ineligible medical expenses. If you have any questions about an item’s eligibility, please contact SelectAccount® customer service at (651) 662-5065 or toll free at 800-859-2144.Eligible medical expenses ____________________________________________________________________________________________
Patient responsibilities under the medical, dental or
vision plan solely because of the plan’s deductible,
copay (coinsurance), reasonable and customary
Eyeglasses – prescription sunglasses/safety glasses
Physical exams (routine, medical, well-child)
Fluoridation treatment at a dental office
Prescription drugs (prescription drugs imported from
Preventive care screenings (e.g., mammogram,
Childbirth/lamaze classes (related to birth)
Chiropractic treatments (e.g., adjustments)
Individual counseling (counseling must be performed
Shipping and handling fees for eligible expenses
to alleviate or prevent a physical or mental defect or
Coinsurance amounts (health, dental or vision)
Convalescent home (for medical treatment only)
Transportation expenses relative to health care
(corresponding medical documentation requested)
Occlusal guards to prevent teeth grinding
Dental procedures, non-cosmetic (e.g., X-rays,
Organ transplant (including donor’s expenses)
Diabetic supplies (e.g., insulin, syringe, monitor,
Potentially eligible medical expenses (The IRS requires a Letter of Medical Necessity from your healthcare provider to keep with your personal tax records. The Letter of Medical Necessity is available at selectaccount.com.) ___________________________________________________________________
Medical conference admission and transportation
Guide dog/service animal (purchase, care for,
Mentally handicapped residential or group home
Automobile modifications (capital expense)
Prescription drugs that also have a cosmetic purpose
(e.g., Retin-A, Rogaine, Botox, Propecia)
Breast reduction surgery that is medically necessary
Home improvements (e.g., exit ramps, widening
Special education costs for dependents with disabilities
Cosmetic surgery (for repair or reconstruction after
accident or surgery or for correction of birth defect)
Household products/improvements to treat allergies
Telephone/television equipment for hearing-impaired
Weight loss program (if prescribed by a physician for
a specific medical condition; excludes food)
Lodging (away from home for outpatient care –
Ineligible medical expenses ________________________________________________________________________________________
Prescription drugs and medicines imported from
Late fees (e.g., for late payment of bills for
Lodging while attending a medical conference
Cosmetics, hygiene products and similar items
Marijuana or other controlled substances in
Transportation costs of disabled individual
Feminine hygiene products (e.g., tampons)
Non-prescription eyeglasses, sunglasses, safety
Eligible medical expenseCapital expense
Medical expenses that can be reimbursed through your HSA
A capital expense is an improvement and/or special equipment
include services and supplies incurred by you or your eligible
added to a home or other capital expenditure that may be
dependents for the diagnosis, treatment or prevention of disease
eligible if the primary purpose is medical care. You must have an
or for the amounts you pay for transportation to get medical care.
appraisal of your home within one year prior to the installation and an appraisal after the installation to determine the value
In general, deductions allowed for medical expenses on your
added to the home. The amount eligible is the difference between
federal income tax according to Internal Revenue Code Section
the cost of the expense and the increase in the additional value
213(d) may be reimbursed through your HSA. You cannot
of your home. If the improvement/special equipment is used by
deduct medical expenses on your federal income tax that have
individuals other than the person needing it for medical care, the
been reimbursed through your HSA. It is possible that changes
eligible amount should be divided by the number of people using
in the IRS rules can affect the eligible, potentially eligible, and/or
the item. Example: A ramp is purchased for $3,000 and prior to
installation your house is appraised at $100,000. After installation
HSA eligible medical expenses do not include medical premiums
of the ramp your house is appraised for $101,000. The amount
except COBRA, health insurance (other than Medicare
that is eligible under your HSA is $2,000. A Letter of Medical
Supplement policies) after the individual has reached age 65,
Necessity is required from your healthcare provider to be kept
qualified long-term care insurance, and health coverage while
the account holder is receiving unemployment compensation.
For assistance in calculating capital expense, the Capital Expense
Premiums for employer-sponsored retiree medical plans can also
Worksheet is available at selectaccount.com. If you have
questions about a capital expense, please contact customer service for a more detailed explanation.
Expenses eligible for reimbursement from your spending account may or may not be a covered benefit under your Concordia Health Plan. Refer to your Plan documents for more information.
These lists are intended to serve as a quick reference and are provided with the understanding that SelectAccount is not engaged
in rendering tax advice. For more detailed information, please refer to IRS Publication 502, “Medical and Dental Expenses,” Catalog Number 15002Q. Publications can be ordered from the IRS by calling 1-800-TAX-FORM (1-800-829-3676).
If tax advice is required, seek the services of a competent professional.

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